• Privacy Statement
• USA Patriot Act of 2001
• IRS "No Phishing Here"
• E-Mail Alert

Privacy Statement

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean A-K Valley Federal Credit Union.

This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:

• All of our consumer members who have a continuing relationship with us, such as:
• Deposit account
• Loan account
• Credit card
• Safe deposit box
• Automobile lease we service
• Retail installment contract we hold and service
• Self-directed Individual Retirement Account where we act as custodian or trustee
• All former members

  We will tell you the sources for nonpublic personal information we collect on our members. We will tell you what measures we take to secure that information.

  We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a share draft account, we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options.

  We first define some terms.

  Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
  An affiliate is a company we own or control.
  A nonaffiliated third party is a company that is not an affiliate of ours.
  Opt out means a choice you can made to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

  THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
  We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

  NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
  We may disclose nonpublic personal information to nonaffiliated third parties. Here are the kinds of nonpublic personal information we disclose to nonaffiliated third parties:

• Nonpublic personal information we received from you on an application or other forms, such as
• Name
• Address

  You may opt out of the disclosure of the information listed above.

  Types of Nonaffiliated Third Parties
  We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:

• Financial service providers, such as
• Insurance agents

  We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

  Future Nonaffiliated Third Party Disclosure
  We also reserve the right to disclose nonpublic personal information about you in the future with the following types of nonaffiliated third parties:

• Financial service providers, such as
• Mortgage bankers
• Securities broker-dealers

  NONPUBLIC PERSONAL INFORMATION AND FORMER MEMBERS
  If you decide to close your account(s) or become an inactive member, we will follow the privacy policies and practices as described in this notice.

  AUTHORIZED SHARING OUTSIDE MARKETING SERVICES
  We may disclose the following information to companies that perform marketing services on our behalf:

• Nonpublic personal information we receive from you on an application or other forms such as,
• Name
• Address
• Social security number
• Nonpublic personal information about your transactions with us, such as
• Name
• Address
• Account balances
• Account activity
• Types of accounts
• Credit card usage
• Payment history
• Deposit history
• Parties to the transaction
• Payment amount

  Federal law allows us to disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

  YOU HAVE THE RIGHT TO CHOOSE
  In this notice, we have explained our policy about the disclosure of certain information
  

  Nonaffiliated Third Parties.
  We have explained the kinds of nonpublic personal information we may disclose to nonaffiliated third parties. We have also explained the kinds of nonaffiliated third parties with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).

  Types of Businesses
  Here are the types of businesses with whom we may disclose nonpublic personal information for outside marketing purposes:
  

• Service providers that perform marketing services for us
• Direct sales companies

  AUTHORIZED SHARING - JOINT MARKETING
  We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Nonpublic personal information that we receive from you on an application or other forms, such as
• Name
• Address
• Date of birth

  Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

  Types of Businesses
  Here are the types of businesses with whom we may disclose nonpublic personal information under this section:
  

• Financial service provider, such as
• Insurance agents

  YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION
  Nonaffiliated Third Parties. If you do not want us to share your nonpublic personal information with nonaffiliated third parties, you can block the release of certain nonpublic personal information. This is known as your right to "opt out."
  Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.
  If you have a joint account, an opt out instruction given by one participant of this account will affect all participants of the account.
  

If you have any questions, please direct them to A-K Valley's Webmaster

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USA Patriot Act of 2001

To Our Members,

As required by the USA Patriot Act of 2001, which requires A-K Valley Federal Credit Union to help the government fight the funding of terrorism and money laundering activities, A-K Valley Federal Credit Union must obtain basic identifying information from you and verify that information when you open a new account.

This means A-K Valley Federal Credit Union staff will ask you for some basic information such as your name, address, date of birth and other information designed to help us identify you. A-K Valley Federal Credit Union staff may also ask to see documents identifying you, such as a driver's license, passport or some other government-issued document. A-K Valley Federal Credit Union appreciates your patience and understanding as we all do our part in complying with the new account identification procedures required by the federal USA Patriot Act Of 2001.

Respectfully,

A-K Valley Federal Credit Union

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IRS "No Phishing Here"

Fraudulent e-mails appearing to look like they are from the Internal Revenue Service (IRS) are finding their way into taxpaper mailboxes with messages regarding an audit of offering access to a refund.  The IRS does not send out unsolicited e-mails, nor does it ask for detailed personal information, such as Social Security number, credit card information, PINs, or passwords.  If you have received an e-mail which claims to come from the IRS please forward it to phishing@irs.gov.

Below are a few things to watch for in suspicious e-mails:

• An authentic-looking privacy policy that says "Internal Revenue Code Section 6109 allows us to request your Social Security number."
• A strange-looking URL at the top of the page, such as tzk.kozle.pl.
• A directive in the e-mail message telling you to click on a link that looks similar to the official IRS.gov Web page.
• A subject line that reads, "IRS Notification - Please Read This."
• Any e-mail request that asks for your checking account number.

Internet/E-Mail Fraud Alert

E-Mail Alert -

You will never be asked for personal, account or password information from A-K Valley FCU via e-mail.  If you ever receive a request for such information through an e-mail that appears from us, do not respond, but please call us at 724-335-2274.

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